Shopping for a new insurance provider can be overwhelming. Knowing which company to choose and picking coverage may seem daunting, but it doesn’t have to be. Below are the four most important questions to ask before choosing an insurance provider. 

The Top 4 Questions to Ask Before Picking an Insurance Provider

How Long Have You Been in Business?

Before selecting any insurance agency or provider, it’s imperative to identify an agent’s experience within the industry. Be sure to check that their credentials and licenses are up to date. Ask about their education, and read any available reviews online.  

Can You Help With Comprehensive Coverage?

Ask your insurance agent whether they specialize in a particular type of coverage, or if they can provide you with a comprehensive coverage package. You will potentially receive an overall discount if you choose a coverage package with the same provider. Consider your current insurance needs, and review them with your agent before approving coverage.  

Do You Work as a Broker or Captive Agent?

While a captive insurance agent works for a specific company, an insurance broker tends to provide the best options on the insurance market, as they have no alliances. Ask your agent if they provide the choice to go with multiple carriers instead of a single insurance product. 

Are You Able to Help With Discounts?

If you do end up going with a specific insurance company, they often provide a discount for carrying more than one of their products. In addition, your agent should be able to determine if you or a family member qualify for certain discounts. Oftentimes, those with a good driving record, advanced degrees, or good grades can get a lower rate.

If you’re looking for new insurance coverage, be sure to speak with a professional insurance provider before making any decisions. Toohey Insurance Service specializes in providing its Somerset, KY, clientele with quality insurance products that fit their needs. Call them today at (606) 678-0540, them online, or find them on Facebook for more information.